Dynamically reacting policies and protections for securing mobile financial transaction data in transit

ABSTRACT

A secure mobile financial transaction is provided by receiving, over a communication network, a list of protection mechanisms available for implementation by an external terminal. Security-related data is received from one or more sensors and an attack signature is computed based on the security-related data. An appropriate security policy is selected from multiple security policies stored in a database based on the list of protection mechanisms and the attack signature. A secure communication session is established between the external terminal and an internal network component according to the selected security policy. A data message associated with a mobile financial transaction is communicated over the communication network during the communication session.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The present invention generally relates to information security systems,and more particularly, to dynamically reacting policies and protectionsfor securing mobile financial transaction data in transit.

2. Related Art

With the proliferation of mobile communication devices, such as mobiletelephones, financial account holders that have such devices have begunto use them to complete financial transactions. Enabling financialaccount holders to do so, however, poses unique security risks forfinancial account issuers, particularly because security capabilitiesand risks vary widely across different mobile communication devices anddifferent mobile communication networks. For example, typical paymentsystems involve point-of-sale (POS) terminals that are usually owned anddesigned by either financial transaction issuers or merchants. Incontrast, because mobile communication devices are manufactured byvarious manufacturers and can be modified by third parties, financialaccount issuers have less control and knowledge of the securitycapabilities and risks associated with them. This makes it moredifficult to control the security of financial transactions that arecompleted using mobile communication devices. Security measures varybased on particular models of mobile communication devices, thuscompounding this inherent security risk.

The risk for financial account issuers is further complicated by themobility of mobile communication devices. Each location in which mobilecommunication devices can be operated potentially has a differentsecurity environment. As a result, different security measures for eachlocation are necessary. For example, bringing a mobile communicationdevice into a foreign country may require the mobile communicationdevice to roam on a foreign or visiting mobile communication network,which has inherently different security countermeasures, attackscenarios, risks, capabilities, and other characteristics.

Security designers perform a labor-intensive and exhaustive analysis ofthe risks associated with each component of a new network in an attemptto safely interface their existing security system with the new network.The existing security system is often modified to accommodate the risksassociated with the new network. This process takes a substantial amountof time and thus limits the speed with which financial account issuerscan enter new markets that utilize mobile-based financial transactionnetworks. As a consequence, they can lose market share.

In addition, security designers typically assume that all securitycharacteristics and risks of the network components will remain static,or remain within a tolerance related to nominal protection, once thesystem is deployed. A typical security system thus utilizes a particularset of security measures deployed until the security system is takenoffline and either replaced or modified. In other words, if risks of thesecurity system change, for example, due to an innovation, a newservice, discovery of a design or product flaw, breach of a securitymeasure by an attacker, etc., a maintenance window or an outage must berealized to enable the security system to be modified to respond to asecurity breach, patch, or upgrade. Such a system cannot adaptdynamically to various detected feedback relating to changes impactingthe security situation of the network. Typical security systems,therefore, lack the adaptability necessary to be suitable formobile-based financial transaction systems that must constantly innovateto adapt to changing markets, services, and business models. Moreover,the static security measures of typical fortress security systemsincrease the ease with which internal and external attackers cancircumvent less adaptive security measures. As payment and networksystems adapt to next generation payment and communication, the attacksand exploits will also evolve into next generation criminal exploits. Ashigher communication speeds, multiple communication channels, andmultiple communication protocols become more common for convergentservices, attack scenarios and protection mechanisms will be representedby matrices as opposed to the linear singularity used in traditionalsystems to represent exposure.

Notwithstanding the above-mentioned security risks, enabling mobiletransactions is still a particularly attractive means for financialaccount issuers to enter the markets of non-bankable countries wherewidespread POS infrastructure is neither available nor practical.

Given the foregoing, it would be useful to be able to continuouslydetect changes in network security characteristics, and adapt based onthese detected changes to maintain an acceptable level of security forexisting and new network connections including merchants, customers, andpartners for visiting and home networks.

It also would be useful to enable business entities, such as financialaccount issuers, to enter new markets (e.g., the mobile-based financialtransaction market) with minimal modifications to their existingsecurity system, and to accept new risk scenarios with the ability tomanage magnitude of exposure by network segment, region, issuer,partner, device, and/or account across numerous device and networktypes.

In addition, it would be useful to enable the characterization ofcurrently uncharacterized (e.g., non-domestic) communication networkcomponents and/or attributes to enable adaptation to the risks tomaintain an acceptable level of security.

BRIEF DESCRIPTION OF THE INVENTION

The present invention meets the above-identified needs by providingsystems, methods, and computer program products for securing mobilefinancial transaction data in transit over a communication network.

Trust mediator agents, which are associated with each network component,continuously detect changes or signatures in the securitycharacteristics of each network component using sensors and feed thedetected changes or signatures back to a trust mediator. The trustmediator uses the feedback from the trust mediator agents to determinewhether and how to modify currently running security safeguards in orderto maintain an appropriate level of security that considers theinterdependency of each component and asset at risk. Modifications, ifany, are communicated by the trust mediator to the appropriate networkcomponent via its associated trust mediator agent for implementation.The process is recursive and thus continuously adapts to changes innetwork security characteristics as they arise over time to strike abalance between the probability of loss and magnitude of loss versusacceptable risk to enable business transactions to continue withoutdisruption at an account level and/or at a network component level.

A business entity (e.g., a financial account issuer) can integrate newcommunication networks having new security characteristics into theirexisting network without the need to perform an exhaustive andlabor-intensive upfront analysis to estimate the security impact a newcommunication network will have on their existing network. Instead, thebusiness entity can define rules, such as a threshold of acceptablerisk, begin to communicate with the new network, and enable theirexisting security system to detect and adapt to the securitycharacteristics of the new network while maintaining the acceptable riskacceptance level. Managing system interdependency relating to securitysignature state assists in evaluating changes related to new exploits,products, services, or innovations to reduce time-to-market whilemanaging the acceptable level of risk exposed to the business withinnominal levels to maintain brand and financial equity.

Users' expectations regarding security measures are taken into account.Thus, if a particular security measure is too inconvenient for a user,the security measure is modified or reduced to a minimal level withinlimits that do not degrade nominal protection for the system. Thisbalances the risk acceptance of a firm with a convenience costrepresenting user or account holder countermeasure choice, and providesthe issuer and the account holder with firm acceptable transaction riskelasticity. Alternatively, if the security measure provides too low asecurity level for the user to accept the security measure, it ismodified or replaced with a more rigorous security measure with analternate method. The effect is to increase the propensity for usersatisfaction and thus movement towards equilibrium of strategy andpayoff for usage of the system based on time, location, and relevance,and results in more efficient risk models to increase market share forthe business entity. Users are offered choices to increase theirpropensity of adoption and use of security methods, while mitigating thecircumnavigation of security controls that puts merchants, financers,and financees at risk.

In one embodiment, a processor coupled to a memory receives, over acommunication network, a list of protection measures available forimplementation by an external terminal. The processor receivessecurity-related data from one or more sensors and computes an attacksignature based on the security-related data. The processor selects anappropriate security policy from multiple security policies stored in adatabase based on the list of protection measures and the attacksignature. A secure communication session is established between theexternal terminal and an internal network component according to theselected security policy. A data message associated with a mobilefinancial transaction is communicated over the communication networkduring the communication session.

Further features and advantages of the present invention as well as thestructure and operation of various embodiments of the present inventionare described in detail below with reference to the accompanyingdrawings.

BRIEF DESCRIPTION OF THE DRAWINGS

The features and advantages of the present invention will become moreapparent from the detailed description set forth below when taken inconjunction with the following drawings.

FIG. 1 is a diagram of an exemplary security system for adaptivelysecuring mobile communication device transactions in accordance with anembodiment of the present invention.

FIG. 2 is a diagram depicting exemplary communication channels andprotocols by which an external terminal communicates with an internalnetwork.

FIG. 3 is a flowchart illustrating an exemplary process for implementingdynamically reacting policies and protections to secure mobile financialtransaction data in transit.

FIG. 4 is a flowchart illustrating an exemplary process for determiningan appropriate policy for securing a communication session between anexternal terminal and an internal network.

FIG. 5 is a flowchart illustrating an exemplary process for establishinga secure communication session between an external terminal and aninternal network.

FIG. 6 is a block diagram of an exemplary computer system useful forimplementing the present invention.

DETAILED DESCRIPTION I. Overview

The present invention is directed to dynamically reacting policies andprotections for securing mobile financial transaction data in transit,which are now described in more detail herein in terms of an examplemobile payment system. This is for convenience only and is not intendedto limit the application of the present invention. In fact, afterreading the following description, it will be apparent to one skilled inthe relevant art(s) how to implement the following invention inalternative embodiments (e.g., general network security systems, masstransit security systems, homeland security systems, home and businesssecurity systems, etc.).

The terms “user,” “consumer,” “account holder,” and/or the plural formof these terms are used interchangeably throughout herein to refer tothose persons or entities capable of accessing, using, being affected byand/or benefiting from the present invention.

A “merchant” as used herein refers to any person, entity, distributorsystem, software and/or hardware that is a provider, broker and/or anyother entity in the distribution chain of goods or services. Forexample, a merchant can be a grocery store, a retail store, a travelagency, a service provider, an online merchant or the like.

A “transaction account” as used herein refers to an account associatedwith an open account or a closed account system. The transaction accountcan exist in a physical or non-physical embodiment. For example, atransaction account can be distributed in non-physical embodiments suchas an account number, frequent-flyer account, telephone calling accountor the like. Furthermore, a physical embodiment of a transaction accountcan be distributed as a financial instrument.

An “account,” “account number,” or “account code,” as used herein, caninclude any device, code, number, letter, symbol, digital certificate,smart chip, digital signal, analog signal, biometric or otheridentifier/indicia suitably configured to allow a consumer to access,interact with or communicate with a financial transaction system. Theaccount number can optionally be located on or associated with anyfinancial transaction instrument (e.g., a rewards, charge, credit,debit, prepaid, telephone, embossed, smart, magnetic stripe, bar code,transponder or radio frequency card).

The terms “financial account issuer,” “account issuer,” and “issuer,”and/or the plural forms of these terms are used interchangeablythroughout herein to refer to those persons or entities that providetransaction account(s) to account holders. For example, an issuer may bea credit card issuer, a bank, or any other financial institution.

In general, transaction accounts can be used for transactions betweenthe user and merchant through any suitable online or offlinecommunication network, such as, for example, a wired network, a wirelessnetwork, a telephone network, an intranet, the global, public Internet,and/or the like. Additionally, the user can complete transactions withthe merchant using any suitable communication device, such as apoint-of-interaction device (e.g., a point-of-sale (POS) device, apersonal digital assistant (PDA), a mobile telephone, a kiosk, resourceaccess, area access, entitlement access, etc.), a radio frequencyenabled transaction card, and/or the like.

A financial transaction instrument (also referred to as a “paymentdevice”) can be traditional plastic transaction cards,titanium-containing, or other metal-containing, transaction cards, clearand/or translucent transaction cards, foldable or otherwiseunconventionally-sized transaction cards, radio-frequency enabledtransaction cards, or other types of transaction cards, such as credit,charge, debit, pre-paid or stored-value cards, or any other likefinancial transaction instrument. A financial transaction instrument canalso have electronic functionality provided by a network of electroniccircuitry that is printed or otherwise incorporated onto or within thetransaction instrument (and typically referred to as a “smart card”), orbe a fob having a transponder and an RFID reader.

The term “safeguard,” “security measure,” “security safeguard,”“protection method,” “protection mechanism,” and/or the plural forms ofthese terms are used interchangeably throughout herein to refer to anyprocess, hardware, software, algorithm, countermeasure, or the like,that increases security, confidentiality, and/or integrity of datacommunicated over communication networks. For example, a safeguard canbe a key length, an encryption/decryption algorithm, a checksum, a hashfunction, an access level, a password requirement, a fingerprintrequirement, or the like. Protection mechanism(s) may beone-dimensional, i.e., composed of a single protection mechanisms, ormulti-dimensional, composed of multiple protection mechanisms.

The term “security-related information” is used herein to refer to anydata or information that can be used by a trust mediator (describedbelow) as the basis for making decisions as to implementations ofsecurity policy. For example, security-related information can includedata relating to threats, exploits, attacks, safeguards, securitymeasures, security safeguards, protection mechanisms, financialtransaction-related data, non-financial-transaction-related data, mobilephone usage data, magnitude data, loss expectancy data, and the like.

II. System

FIG. 1 is a diagram of an exemplary security system 100 for adaptivelysecuring mobile communication device transactions in accordance with anembodiment of the present invention. As shown in FIG. 1, security system100 includes both internal network components 118 and external networkcomponents 120. Internal network components 118 are network componentsthat are internal to an issuer network. External network components 120are network components that are external to the issuer network.

External network components 120 include an external terminal 102, whichis any electronic communication device a consumer can use as aninterface to complete a financial transaction with a merchant. Examplesof types of financial transactions a user 122 may request include apurchase at a point-of-sale (POS) device, a transfer of funds from anaccount of user 122 to that of another user, a mobile-to-mobile fundtransfer, a transfer of funds between two accounts commonly owned byuser 122, a request for data stored in one of internal networkcomponents 118 in association with an account of user 122, a request tomodify data stored in one of internal network components 118 inassociation with an account of user 122, etc. For example, externalterminal 102 can be a point-of-sale (POS) device, a kiosk, or a mobilecommunication device such as a mobile telephone, a personal computer, aPOS device, a personal digital assistant (PDA), a portable computingdevice, a radio frequency enabled transaction card, or the like.

Another external network component 120 is a visiting network 110, whichis any electronic communication network that is communicatively coupledto external terminal 102 and one or more internal network components118. Example visiting networks 110 include a mobile telephone carriernetwork, an external payment network and/or service, a media network, aprivate network, a public network, a Bluetooth™ network, an automatedclearing house (ACH) network, a peer-to-peer (P2P) network, or the like.

Internal network components 118 include a gateway 112, which iscommunicatively coupled to visiting network 110. External terminal 102communicates with internal network components 118 through visitingnetwork 110. Gateway 112 translates communication network protocols toenable proper communication between visiting network 110 and internalnetwork components 118. Gateway 112 also includes any number ofcommunication network modules depending on the characteristics ofvisiting network 110 and internal network components 118. For instance,gateway 112 can include a firewall, a network address resolution table,a proxy for address translation, a session border controller, etc. (allnot shown).

Another internal network component 118 is a security services module114. Security services module 114 is communicatively coupled to gateway112, and performs security functions such as encryption, decryption, keymanagement, and/or any other functions suitable for ensuring thesecurity, confidentiality, and/or integrity of data communicatedthroughout system 100.

Another internal network component 118 is home value (or valuation)module 106, which includes a memory or other electronic storage device(not shown) that electronically stores information related to electronicassets owned by the issuer. For example, home value 106 can store dataentries representing credit, deposits, loyalty points, reward points,media, and the like. Each data entry of home value 106 has a value-baseand an associated quantitative and/or qualitative value that also arestored in the memory (not shown) and are used by trust mediator 116 inorder to assess security risks associated with that particular dataentry.

Internal network components 118 also include a value mediator 104, whichvaluates electronic assets owned by an entity other than the issuer.These assets have a value-base other than the value-bases stored in homevalue 106. Value mediator 104 thus computes a quantitative value, and/ornormalizes a qualitative value, for these assets to exchange the valueacross different value-bases. In addition, trust mediator 116 uses thisquantitative value to compute risk magnitudes associated with theseassets. For example, if the value of the transaction or commerce was anasset calculated by value mediator 104, then this computed value isinput to trust mediator 116 to react by changing one or moreprotections, countermeasures, or policies related to the asset ifthresholds associated with acceptable risk exposure are exceeded, or ifuser methods do not achieve an equilibrium between each player in thesystem, including stakeholders and criminals.

Trust mediator (TM) agents 108 a-108 f (collectively 108) are deployedon external terminal 102, visiting network 110, gateway 112, securityservices module 114, value mediator 104, and home value module 106,respectively. TM agents 108 detect and assess security-relatedinformation collected from one or more sensors corresponding to eachrespective network component and communicate this information to trustmediator 116. The sensors measure a physical quantity, such as anelectronic signal or other data, and convert it into a signal which canbe read by an observer and/or by an instrument, such as one or more ofthe TM agents 108 or trust mediator 116. The sensors can receivequantitative input, for example, from machines, electronics, etc.Alternatively, or in addition, the sensors can receive qualitative inputfrom a human that initiates a topic of concern, such that datacollection and normalization can be utilized for finite measurements,good will and intuitive measurements, and observations, which can thenbe validated with other qualitative or quantitative input. Trustmediator 116, in turn, communicates instructions to one or more of theTM agents 108 to modify implementation of security safeguards. Trustmediator 116 also assesses information received from the TM agents 108and determines whether and/or how to modify security safeguardsaccording to security and/or trust mediation algorithms that can besingular or a summation of plural safeguards and countermeasuresinterchangeable based on security goals.

An exemplary external terminal 102, as well as exemplary processes foradapting security measures of a communication network based on dynamicfeedback, collecting data from sensors, and reporting the data to atrust mediator are disclosed in U.S. patent application Ser. No.12/640,183, entitled “Systems, Methods, and Computer Program Productsfor Collecting and Reporting Sensor Data in a Communication Network,”filed Dec. 17, 2009, which is hereby incorporated by reference in itsentirety.

FIG. 2 is a diagram of a system 200 depicting exemplary communicationchannels and protocols by which an external terminal communicates withan internal network. As shown in FIG. 2, external terminal 102communicates with internal network components 118 via one or morecommunication channels and protocols 201. As discussed in further detailbelow with respect to FIGS. 3 and 4, trust mediator 116 selects one ormore appropriate protection mechanisms (e.g., encryption methods),communication channels, and protocols to use to secure mobile financialtransaction data in transit. Trust mediator 116 then communicates theselected protection mechanism(s), communication channel(s), andcommunication protocol(s) to TM agents 108 a-108 f as necessary. TMagent 108 a, in turn, communicates the selected protection mechanism(s),communication channel(s), and protocol(s) to a communication interfacemodule 202 of external terminal 102. Communication interface modules 202and 203 then implement the selected protection mechanism(s) for the datain transit. In turn, communication interface modules 202 and 203transmit and receive the data in transit according to the selectedprotocol(s) via the selected communication channel(s) until a newprotection mechanism, communication channel, and/or protocol is receivedfrom the corresponding TM agent 108 a-108 f. The implementation ofprotection mechanisms, communication channels, and protocols arediscussed in further detail below with respect to FIGS. 4 and 5. Oncethe data in transit is securely received by gateway 112, it isdistributed to other internal network components 118 as necessary toperform mobile financial transactions, etc.

III. Process

A. Overview

FIG. 3 is a flowchart illustrating an exemplary process 300 forimplementing dynamically reacting policies and protections to securemobile financial transaction data in transit. At block 301, trustmediator 116 determines and/or validates a list of protection mechanismsthat are available for implementation by external terminal 102.Exemplary systems and methods for determining which protectionmechanisms are available for implementation by an external terminal aredisclosed in U.S. patent application Ser. No. 12/640,289, entitled“Dynamically Reacting Policies and Protections for Securing MobileFinancial Transactions,” filed Dec. 17, 2009, which is herebyincorporated by reference in its entirety. If the list of protectionmechanisms available for implementation by external terminal 102 hasalready been created in the form of a protection matrix, then trustmediator 116 validates the protection matrix using time stamps to ensurethat it is up to date. If the protection matrix has not yet beencreated, then trust mediator 116 creates one.

At block 302, trust mediator 116 determines and/or validates a list ofsecurity-related information, including current attacks, threats,exploits, etc., detected by sensors (not shown) distributed throughoutsystem 100. Exemplary systems and methods for detecting security-relatedinformation using sensors are disclosed in U.S. patent application Ser.No. 12/640,183, entitled “Systems, Methods, and Computer ProgramProducts for Collecting and Reporting Sensor Data in a CommunicationNetwork,” filed Dec. 17, 2009.

Trust mediator 116 compiles the security-related information (e.g.,threats, exploits, attacks, etc.) determined and/or validated at block302 and generates one or more attack signatures by computingsummation(s) of portions of the security-related information. Inparticular, trust mediator 116 combines one or more portions of thedetected security-related information into a multi-dimensionalcombination, with each combination representing a specific attacksignature. For instance, one attack signature may be defined as anycombination of security-related data that includes a brute-force attackon a particular encryption algorithm and a denial-of-service (DoS)attack. Another attack signature can be defined as any combination thatincludes a spoofing attack (whereby one person or program successfullymasquerades as another) and an associated retrieval of particularhoneypot data.

At block 303, trust mediator 116 selects a security policy to implementto establish secure communication with external terminal 102. Ingeneral, selecting the security policy includes selecting one or moreprotection mechanism(s) (e.g., encryption methods), one or morecommunication channel(s), and one or more communication protocol(s) tobe used throughout a communication session based on the protectionmatrix and the attack signature determined at blocks 301 and 302,respectively. In this way, in the event that one or more protectionmechanism(s), communication channel(s), or communication protocol(s)have been exploited, trust mediator 116 changes the protection mechanismto another protection mechanism to maintain an acceptable level ofsecurity. In addition, or as an alternative, to changing the protectionmechanism, trust mediator 116 can change the communication channeland/or communication protocol. An exemplary process for determining theappropriate security policy to implement to establish securecommunication with external terminal 102 is discussed in further detailbelow with respect to FIG. 4.

At block 304, trust mediator 116 establishes a secure communicationsession with external terminal 102 by using the security policy selectedat block 303. In general, establishing the secure communication sessionwith external terminal 102 includes transmitting policy messagesincluding details of the security policy to be implemented, to TM agents108 a-108 f as necessary. An exemplary process for establishing thesecure communication session with external terminal 102 is discussed infurther detail below with respect to FIG. 5.

At block 305, external terminal 102 communicates with internal networkcomponents 118 by implementing the security policy established at block303 throughout the secure communication session established at block304. If implementing the security policy requires data and/or softwareto be executed by external terminal 102, then trust mediator 116transmits the data and/or software to external terminal 102 over thecommunication network. Alternatively, or in addition, external terminal102 can be preloaded with the data and/or software required forimplementation of the security policy. The communication sessioncontinues, with the external terminal 102 and internal networkcomponents 118 implementing the security policy established at block 303until a different security policy is designated by trust mediator 116.

B. Selecting a Security Policy

1. Determining Sufficiency of the Current Protection Mechanisms

FIG. 4 is a flowchart illustrating an exemplary process 400 fordetermining an appropriate policy for securing a communication sessionbetween an external terminal and an internal network. At block 401,trust mediator 116 determines whether the current data messageprotection mechanisms are appropriate given the current attack signaturedetermined at block 302. In particular, trust mediator 116 computes avalue associated with the data messages that are to be communicatedbetween external terminal 102 and internal network components 118. Thevalue is computed by using one or more valuation formulas, and in somecases the value may be equal to an amount of a financial transactionwith which the data messages are associated. An example valuationformula includes converting a value in a first currency (e.g., U.S.dollars) into a corresponding value in a second currency (e.g., francs).Alternatively, or in addition, the value may be computed based on anaccount balance of a financial account with which the data messages areassociated. Trust mediator 116 then computes a probability that thesecurity of the data messages will be compromised based on the currentdata message protection mechanism(s) and the attack signature determinedat block 302. Trust mediator 116 then computes a product of the computedvalue of the data messages and the computed probability that the datamessages will be compromised to determine a total risk level associatedwith the data messages, the current data message protection mechanisms,and the attack signature.

2. Modifying the Current Protection Mechanism(s)

The total risk level is then compared to a predetermined threshold ofacceptable risk. If the total risk level is less than or equal to theacceptable risk threshold then trust mediator 116 uses the current datamessage protection mechanism(s) at block 403 for communicating the datamessages. If the total risk level is greater than the acceptable riskthreshold then trust mediator 116 modifies the data message protectionmechanism(s) at block 402 based on the protection matrix validated atblock 301 and the predetermined acceptable risk threshold. In this case,trust mediator 116 uses the modified data message protectionmechanism(s) for communicating the data messages.

There are multiple techniques by which trust mediator 116 can modify thedata message protection mechanism(s) described above in connection withblock 402. According to one example technique, trust mediator 116modifies the data message protection mechanism by using an alternateencryption algorithm and/or a different type of encryption algorithm(e.g., switching between asymmetric and symmetric encryption algorithms)to encrypt the data messages. For example, trust mediator 116 canutilize numerous options relating to key ceremony, such as optionsrelating to key generation value, key length, key type, seed, keyceremony definition, activation, time-to-live before deactivation orrecertification, etc. Trust mediator 116 can also utilize optionsrelating to one or more challenge/response techniques, pairingtechniques, and/or key exchange techniques across one or moresimultaneous and/or alternating communication channels.

In another embodiment, trust mediator 116 alternates between channelencryption and payload encryption. For example, the payload of atransmission can be encrypted while the channel used for transmission orrouting data remains unencrypted. Or, channel encryption can beimplemented such that not only the payload data is encrypted, but alsothe routing data for each data message is encrypted, establishing aconfidential channel using one or more keys, key exchanges, and/orvalues integrated with a key ceremony driven by trust mediator 116and/or security services module 114. A protection signature isimplemented to maintain protection of system 100 by using dynamicreaction in response to dynamic detection.

In addition, trust mediator 116 can modify the data message protectionmechanism by dividing the data messages into groups, and encrypting onegroup of messages using one encryption algorithm, and encrypting theother group of messages using another encryption algorithm. The datamessages can be divided into groups based on value, such that the morevaluable data messages are encrypted using a stronger encryptionalgorithm, and the less valuable data messages are encrypted using aweaker encryption algorithm. Or, the data messages can be divided intogroups according to a predetermined pattern, or randomly, or using acombination of a predetermined pattern and randomness (hybrid), for allor part of the communication payload in transit and at rest. Forexample, a pattern of odd and even numbered messages can be encryptedsuch that odd numbered messages are encrypted with a first encryptionalgorithm and even numbered messages are encrypted with a secondencryption algorithm. Alternatively, the data messages can be split intogroups of a size determined by a pseudorandom number generator.

In another embodiment, trust mediator 116 modifies the data messageprotection mechanisms by dynamically rotating the keys used forencrypting the data messages. The keys can be rotated for use inconsecutive groups of the data messages based on a predetermined timeinterval, a predetermined event, and/or a rate determined by apseudorandom number and a seed. Alternatively, the data messages can besplit into groups, using a different key for each group of messages.

Still another technique for modifying the data message protectionmechanisms includes using different key exchange methods for exchangingencryption keys between external terminal 102 and internal networkcomponents 118.

According to yet another embodiment, trust mediator 116 modifies thedata message protection mechanisms by changing the method of keygeneration. For example, trust mediator 116 can generate encryption keysusing a pseudorandom number generator. Alternatively, encryption keyscan be generated using a digital representation of a biometricidentifier, such as a fingerprint, of user 122. Or, trust mediator 116can generate encryption keys using a mathematical combination of apseudorandom number and a digital representation of a biometricidentifier of user 122.

Trust mediator 116 can also alternate the length of the encryption keysused for different data messages. For example, a longer key length canbe used for data messages of high value than for data messages of lowvalue. Or, key length can be periodically or randomly changed throughouta communication session by one or more of TM agents 108 a-108 f during abidirectional communication session with security services module 114,which communicates on behalf of trust mediator 116. The state and methodof trust and key ceremony are established to assure confidentiality,integrity, and trust between a mobile user, a mobile terminal, and thecore assets and systems protecting value on the network.

In another embodiment, each network component, via their associated TMagent 108 a-108 f, can switch the data message protection mechanism(s)without being requested to do so by trust mediator 116, so long as theother network component and trust mediator 116 agree that the new datamessage protection mechanism(s) are acceptable. This may be useful, forinstance, where a particularly risk averse user 122 of external terminal102 desires a level of risk that is lower than that typically requiredby trust mediator 116.

By changing the data message protection mechanism(s) by using one ormore of the technique(s) discussed above, a moving target is created,which helps to thwart attackers. As those skilled in the art willrecognize, other techniques for modifying the data message protectionmechanisms supporting dynamic change in protection methods based onperceived and/or real detection of change in attack signatures and/orrisk exposure can be used and still be within the scope of the presentinvention.

3. Determining Sufficiency of the Current Communication Channel(s) andProtocol(s)

At block 404, trust mediator 116 determines whether the current datamessage communication channel(s) and/or protocol(s) are appropriategiven the attack signature determined at block 302. In particular, asdiscussed above with respect to block 401, trust mediator 116 comparesthe computed total risk level to the predetermined acceptable riskthreshold. If the total risk level is less than or equal to theacceptable risk threshold then trust mediator 116 uses the current datamessage communication channel(s) and/or protocol(s) at block 406 forcommunicating the data messages. If the total risk level is greater thanthe acceptable risk threshold then trust mediator 116 modifies the datamessage communication channel(s) and/or protocol(s) at block 405 basedon the protection matrix validated at block 301 and the predeterminedacceptable risk threshold. In this case, trust mediator 116 uses themodified data message communication channel(s) for communicating thedata messages.

4. Modifying the Communication Channel(s) and Protocol(s)

There are multiple methods by which trust mediator 116 can modify thedata message communication channel(s) and/or protocol(s), at block 405.As discussed above with respect to FIG. 2, external terminal 102 andinternal network components can communicate using one or morecommunication channel(s) and/or communication protocol(s). FIG. 2includes examples of communication channels and protocols 201. Otherexamples of communication protocols include PUSH NOTIFICATION SERVICE,WIFI, GSM, WIMAX, RFID, NFC, CDMA, BLUETOOTH, WAP, TCP/IP, and the like.According to one embodiment, in the event that one particularcommunication channel or protocol has become exploited, trust mediator116 communicates over another communication channel or protocol.

Alternatively, trust mediator 116 can communicate by using differentcommunication channels and/or protocols for different data messages ordifferent portions of data messages. The data messages can be split upand transmitted by using different communication channels and/orprotocols based on load and/or based on a predetermined number or sizeof data messages. Or, trust mediator 116 can split up data messages andtransmit them by using different communication channels and/or protocolsbased on a generated pseudorandom number, a pseudorandom order, and/or apseudorandom method of reassembly, and a seed.

In the event that data messages are split up and routed across differentcommunication channels, a policy message discussed below with respect toFIG. 5 defines how the data messages are split up, and how to reassemblethe messages. For example, trust mediator 116 can split up the datamessages, sending pieces of it via different real-time or non-real-timecommunication channels and/or protocols, such as via e-mail, socialwebsites, etc., for retrieval and reassembly by the targeted recipientsacross alternate channels. The policy message also defines how many,and/or what sizes of, subsequent messages will be transmitted, and onwhich data message communication channel(s).

By changing the data message communication channel(s) and/or protocol(s)by using one or more of the technique(s) discussed above, a movingtarget is created, which helps to thwart attackers by increasing thedomain an attacker would have to analyze, exploit, and use to gainaccess to data, messages, and/or communication sessions. As thoseskilled in the art will recognize, other techniques for modifying thedata message communication channels and protocols can be used and stillbe within the scope of the present invention.

In one embodiment, each network component, via their associated TM agent108 a-108 f, can switch the data message communication channel(s) and/ordata message communication protocol(s) without being requested to do soby trust mediator 116, so long as the other network component and trustmediator 116 agree that the new data message communication channel(s)and/or data message communication protocol(s) are acceptable. This maybe useful, for instance, where a particularly risk averse user 122 ofexternal terminal 102 desires a level of risk that is lower than thattypically required by trust mediator 116.

In another embodiment, if the data message protection mechanismsdetermined to be available for external terminal 102 at block 301 areinsufficient to decrease the total risk to a level within the acceptablerisk threshold, then trust mediator 116 modifies the data messagecommunication channel(s) and/or data message communication protocol(s)at block 405 to decrease the total risk to be within the acceptable riskthreshold. Similarly, if the available data message communicationchannel(s) and/or data message communication protocol(s) areinsufficient to decrease the total risk to a level within the acceptablerisk threshold, then trust mediator 116 modifies the data messageprotection mechanism(s) at block 402 to decrease the total risk to bewithin the acceptable risk threshold.

Alternatively, trust mediator 116 can compute the different risk levelsthat would result from multiple possible combinations of specificmodifications to the data message protection mechanism(s), the datamessage communication channel(s), and the data message communicationprotocol(s). Trust mediator 116 then selects the combination of thespecific modifications to the data message protection mechanism(s), thedata message communication channel(s), and the data messagecommunication protocol(s) that results in a risk level closest to theacceptable risk threshold.

Process 400 is then repeated so as to ensure that the data messageprotection mechanism(s) and data message communication channel(s) anddata message communication protocol(s) being implemented are sufficientfor the latest detected attack signatures and protection matrix. Inparticular, trust mediator 116 uses time stamps to determine whether thecurrently implemented data message protection mechanism(s), data messagecommunication channel(s), and/or data message communication protocol(s)are to be changed. If a more up-to-date attack signature and/orprotection matrix is available, then trust mediator repeats process 400to implement appropriate data message protection mechanism(s), datamessage communication channel(s), and data message communicationprotocol(s) to maintain the predetermined acceptable risk level.

C. Establishing a Secure Communication Session

FIG. 5 is a flowchart illustrating an exemplary process for establishinga secure communication session between an external terminal and aninternal network. At block 501, trust mediator 116 constructs, based onthe security policy determined at block 303, a policy message associatedwith the specific data messages to be communicated between externalterminal 102 and internal network components 118. The policy messagedefines the implementation details of the security policy determined atblock 303. In particular, the policy message includes the details of thespecific data message protection mechanism(s), data messagecommunication channel(s), and data message communication protocol(s) tobe used for the communication session. The policy message can beincluded in one or more header field(s) of the data messages to becommunicated, or can be constructed as one or more standalone message(s)communicated between trust mediator 116, security services module 114,TM agents 108 a-108 f, and/or other security agents or delegatedapplications or recipients. This allows coordination of dynamicadjustment of protection using a system-wide view.

At block 502, trust mediator 116 determines the appropriate policymessage protection mechanism(s) to use for communicating the policymessage to the necessary TM agents 108 a-108 f, given the attacksignature determined at block 302. To do this, trust mediator 116 uses aprocess similar to that discussed above for determining the appropriatedata message protection mechanism(s) for communicating data messages. Inparticular, trust mediator 116 compares the total risk level computed atblock 401 to the predetermined threshold of acceptable risk discussedabove. If the total risk level is less than or equal to the acceptablerisk threshold then trust mediator 116 uses the current policy messageprotection mechanism(s) for communicating the policy message. If thetotal risk level is greater than the acceptable risk threshold thentrust mediator 116 modifies the policy message protection mechanism(s)based on the protection matrix determined at block 301 and thepredetermined acceptable risk threshold, and uses the modified policymessage protection mechanism(s) for communicating the policy message.

At block 503, trust mediator 116 determines the appropriate policymessage communication channel(s) and/or protocol(s) for communicatingthe policy message, given the attack signature determined at block 302.To do this, trust mediator 116 uses a process similar to that discussedabove for determining the appropriate data message communicationchannel(s) and protocol(s) for communicating data messages. Inparticular, trust mediator 116 compares the total risk level computed atblock 401 to the predetermined threshold of acceptable risk discussedabove. If the total risk level is less than or equal to the acceptablerisk and use threshold then trust mediator 116 uses the current policymessage communication channel(s) and policy message communicationprotocol(s) for communicating the policy message. If the total risklevel is greater than the acceptable risk threshold then trust mediator116 modifies the policy message communication channel(s) and/or policymessage communication protocol(s) based on the protection matrixdetermined at block 301 and the predetermined acceptable risk threshold,and uses the modified policy message communication channel(s) and policymessage communication protocol(s) for communicating the policy message,promoting equilibrium with respect to numerous assets, strategies,stakeholder payoffs, and attacker payoffs.

The example methods by which trust mediator 116 can modify the datamessage protection mechanism(s), data message communication channel(s),and data message communication protocol(s) discussed above, with respectto blocks 402 and 405, apply similarly to the policy message that willbe utilized by security services module 114 and one or more of TM agents108 a-108 f to enable dynamic changes across the system. In this way, anadded layer of security is provided by using the processes used tosecure the data messages to also secure the policy message. In oneembodiment, the policy message changes based on an event, such as achange in time, location, direction, risk exposure, attack signature,etc., collectively evaluated as a holistic risk signature, withtreatment and consideration of numerous attack and protection points andmethods.

At block 504, trust mediator 116 transmits the policy message protectionmechanism(s), policy message communication channel(s), and policymessage communication protocol(s) determined at blocks 502 and 503,respectively, to the appropriate TM agents 108 a-108 f. In this way, theTM agents 108 a-108 f become configured to receive the policy message byusing the proper policy message protection mechanism(s), policy messagecommunication channel(s), and policy message communication protocol(s).

At block 505, trust mediator 116 transmits the policy message to theappropriate TM agents 108 a-108 f by using the policy message protectionmechanism(s), policy message communication channel(s), and policymessage communication protocol(s) determined at blocks 502 and 503,respectively. In this way, the TM agents 108 a-108 f establish a securecommunication session by configuring their associated network componentsto communicate the data messages using the data message protectionmechanism(s), data message communication channel(s), and data messagecommunication protocol(s) determined above.

Process 500 is then repeated so as to ensure that the policy messageprotection mechanism(s), policy message communication channel(s), andpolicy message communication protocol(s) being implemented aresufficient for the latest detected attack signatures and protectionmatrix. In particular, trust mediator 116 uses and evaluates events,such as a change in time, location, etc., as indicated by sensory datacompiled across system 100, to interact with security services module114 to determine whether the currently implemented policy messageprotection mechanism(s), policy message communication channel(s), and/orpolicy message communication protocol(s) are to be changed. If a moreup-to-date attack signature and/or protection matrix is available, thentrust mediator repeats process 500 to implement appropriate policymessage protection mechanism(s), policy message communicationchannel(s), and policy message communication protocol(s) to maintain thepredetermined acceptable risk level.

IV. Example Implementations

The present invention (e.g., systems 100 and 200, processes 300-500, orany part(s) or function(s) thereof) can be implemented using hardware,software or a combination thereof and can be implemented in one or morecomputer systems or other processing systems. However, the manipulationsperformed by the present invention were often referred to in terms, suchas adding or comparing, which are commonly associated with mentaloperations performed by a human operator. No such capability of a humanoperator is necessary, or desirable in most cases, in any of theoperations described herein which form part of the present invention.Rather, the operations are machine operations. Useful machines forperforming the operation of the present invention include generalpurpose digital computers or similar devices.

In fact, in one embodiment, the invention is directed toward one or morecomputer systems capable of carrying out the functionality describedherein. An example of a computer system 600 is shown in FIG. 6.

Computer system 600 includes one or more processors, such as processor604. The processor 604 is connected to a communication infrastructure606 (e.g., a communications bus, cross-over bar, or network). Varioussoftware embodiments are described in terms of this exemplary computersystem. After reading this description, it will become apparent to aperson skilled in the relevant art(s) how to implement the inventionusing other computer systems and/or architectures.

Computer system 600 can include a display interface 602 that forwardsgraphics, text, and other data from the communication infrastructure 606(or from a frame buffer not shown) for display on the display unit 630.

Computer system 600 also includes a main memory 608, preferably randomaccess memory (RAM), and can also include a secondary memory 610. Thesecondary memory 610 can include, for example, a hard disk drive 612and/or a removable storage drive 614, representing a floppy disk drive,a magnetic tape drive, an optical disk drive, etc. The removable storagedrive 614 reads from and/or writes to a removable storage unit 618 in awell known manner. Removable storage unit 618 represents a floppy disk,magnetic tape, optical disk, etc. which is read by and written to byremovable storage drive 614. As will be appreciated, the removablestorage unit 618 includes a computer usable storage medium having storedtherein computer software and/or data.

In alternative embodiments, secondary memory 610 can include othersimilar devices for allowing computer programs or other instructions tobe loaded into computer system 600. Such devices can include, forexample, a removable storage unit 622 and an interface 620. Examples ofsuch can include a program cartridge and cartridge interface (such asthat found in video game devices), a removable memory chip (such as anerasable programmable read only memory (EPROM), or programmable readonly memory (PROM)) and associated socket, and other removable storageunits 622 and interfaces 620, which allow software and data to betransferred from the removable storage unit 622 to computer system 600.

Computer system 600 can also include a communications interface 624.Communications interface 624 allows software and data to be transferredbetween computer system 600 and external devices. Examples ofcommunications interface 624 can include a modem, a network interface(such as an Ethernet card), a communications port, a Personal ComputerMemory Card International Association (PCMCIA) slot and card, etc.Software and data transferred via communications interface 624 are inthe form of signals 628 which can be electronic, electromagnetic,optical or other signals capable of being received by communicationsinterface 624. These signals 628 are provided to communicationsinterface 624 via a communications path (e.g., channel) 626. Thischannel 626 carries signals 628 and can be implemented using wire orcable, fiber optics, a telephone line, a cellular link, a radiofrequency (RF) link and other communications channels.

In this document, the terms “computer program medium,”“computer-readable medium,” and “computer-usable medium” are used togenerally refer to media such as removable storage drive 614, a harddisk installed in hard disk drive 612, and/or signals 628. Thesecomputer program products provide software to computer system 600. Theinvention is directed to such computer program products.

Computer programs (also referred to as computer control logic) arestored in main memory 608 and/or secondary memory 610. Computer programscan also be received via communications interface 624. Such computerprograms, when executed, enable the computer system 600 to perform thefeatures of the present invention, as discussed herein. In particular,the computer programs, when executed, enable the processor 604 toperform the features of the present invention. Accordingly, suchcomputer programs represent controllers of the computer system 600.

In an embodiment where the invention is implemented using software, thesoftware can be stored in a computer program product and loaded intocomputer system 600 using removable storage drive 614, hard drive 612 orcommunications interface 624. The control logic (software), whenexecuted by the processor 604, causes the processor 604 to perform thefunctions of the invention as described herein.

In another embodiment, the invention is implemented primarily inhardware using, for example, hardware components such as applicationspecific integrated circuits (ASICs). Implementation of the hardwarestate machine so as to perform the functions described herein will beapparent to persons skilled in the relevant art(s).

In yet another embodiment, the invention is implemented using acombination of both hardware and software, with automated andman-in-the-loop operations.

While various embodiments of the present invention have been describedabove, it should be understood that they have been presented by way ofexample, and not limitation. It will be apparent to persons skilled inthe relevant art(s) that various changes in form and detail can be madetherein without departing from the spirit and scope of the presentinvention. Thus, the present invention should not be limited by any ofthe above described exemplary embodiments, but should be defined only inaccordance with the following claims and their equivalents.

In addition, it should be understood that the figures illustrated in theattachments, which highlight the functionality and advantages of thepresent invention, are presented for example purposes only. Thearchitecture of the present invention is sufficiently flexible andconfigurable, such that it can be utilized (and navigated) in ways otherthan that shown in the accompanying figures.

Further, the purpose of the foregoing Abstract is to enable the U.S.Patent and Trademark Office and the public generally, and especially thescientists, engineers and practitioners in the art who are not familiarwith patent or legal terms or phraseology, to determine quickly from acursory inspection the nature and essence of the technical disclosure ofthe application. The Abstract is not intended to be limiting as to thescope of the present invention in any way. It is also to be understoodthat the steps and processes recited in the claims need not be performedin the order presented.

What is claimed is:
 1. A method for securing mobile financialtransactions, the method comprising: receiving, over a communicationnetwork, a list of protection mechanisms available for implementation byan external terminal; receiving, over the communication network,security related data from one or more sensors; computing an attacksignature based on the security related data; storing, in a database,security policy data including a plurality of security policies;selecting a security policy from the plurality of security policiesbased on the list of protection mechanisms and the attack signature;establishing a secure communication session between the externalterminal and an internal network component according to the selectedsecurity policy; and communicating, over the communication networkduring the secure communication session, a data message according to theselected security policy, the data message being associated with amobile financial transaction.
 2. The method of claim 1, wherein theselecting the security policy further includes: computing a valueassociated with the data message based on at least one of a value of thefinancial transaction and a predetermined valuation formula; computing aprobability that security of the data message will be compromised basedon the list of protection mechanisms and the attack signature; computinga total risk level as a product of (1) the value associated with thedata message and (2) the probability that security of the data messagewill be compromised; and selecting the policy from the plurality ofsecurity policies that results in a risk level within a predeterminedrisk threshold.
 3. The method of claim 1, wherein the security policyincludes at least one of (1) an encryption algorithm for encrypting datamessages, (2) a communication channel for communicating data messagesand (3) a communication protocol for communication data messages.
 4. Themethod of claim 1, wherein establishing a secure communication sessionfurther includes: constructing a policy message including at least oneof a protection mechanism, a communication channel, and a communicationprotocol to be used for the communication session; and transmitting thepolicy message to the external terminal over the communication network.5. The method of claim 4, wherein establishing a secure communicationsession further includes: determining a protection mechanism for thepolicy message based on the list of protection mechanisms and the attacksignature; determining a communication channel for the policy messagebased on the list of protection mechanisms and the attack signature;determining a communication protocol for the policy message based on thelist of protection mechanisms and the attack signature; andtransmitting, over the communication network, the protection mechanism,the communication channel, and the communication protocol for the policymessage.
 6. The method of claim 1, wherein the security policy includesat least one of: channel encryption, payload encryption, encryption keyrotation, encryption key generation using a biometric identifier,encryption key generation based on a pseudorandom number, communicationchannel split information, and data message reassembly information.
 7. Asystem for securing mobile financial transactions, the systemcomprising: a memory operable to store security policy data including aplurality of security policies; and a processor coupled to the memory,the processor being programmed to: receive, over a communicationnetwork, a list of protection mechanisms available for implementation byan external terminal; receive, over the communication network, securityrelated data from one or more sensors; compute an attack signature basedon the security related data; select a security policy from theplurality of security policies based on the list of protectionmechanisms and the attack signature; establish a secure communicationsession between the external terminal and an internal network componentaccording to the selected security policy; and communicate, over thecommunication network during the secure communication session, a datamessage according to the selected security policy, the data messagebeing associated with a mobile financial transaction.
 8. The system ofclaim 7, wherein the processor is further programmed to: compute a valueassociated with the data message based on at least one of a value of thefinancial transaction and a predetermined valuation formula; compute aprobability that security of the data message will be compromised basedon the list of protection mechanisms and the attack signature; compute atotal risk level as a product of (1) the value associated with the datamessage and (2) the probability that security of the data message willbe compromised; and select the policy from the plurality of securitypolicies that results in a risk level within a predetermined acceptablerisk threshold.
 9. The system of claim 7, wherein the security policyincludes at least one of (1) an encryption algorithm for encrypting datamessages, (2) a communication channel for communicating data messages,and (3) a communication protocol for communicating data messages. 10.The system of claim 7, wherein the processor is further programmed to:construct a policy message including at least one of a protectionmechanism, a communication channel, and a communication protocol to beused for the communication session; and transmit the policy message tothe external terminal over the communication network.
 11. The system ofclaim 7, wherein the processor is further programmed to: determine aprotection mechanism for the policy message based on the list ofprotection mechanisms and the attack signature; determine acommunication channel for the policy message based on the list ofprotection mechanisms and the attack signature; determine acommunication protocol for the policy message based on the list ofprotection mechanisms and the attack signature; and transmit, over thecommunication network, the protection mechanism, the communicationchannel, and the communication protocol for the policy message.
 12. Thesystem of claim 7, wherein the security policy includes at least one of:channel encryption, payload encryption, encryption key rotation,encryption key generation using a biometric identifier, encryption keygeneration based on a pseudorandom number, communication channel splitinformation, and data message reassembly information.
 13. Anon-transitory computer-readable medium having stored thereon sequencesof instructions, the sequences of instructions including instructions,which, when executed by a computer system, cause the computer system toperform: receiving, over a communication network, a list of protectionmechanisms available for implementation by an external terminal;receiving, over the communication network, security related data fromone or more sensors; computing an attack signature based on the securityrelated data; storing, in a database, security policy data including aplurality of security policies; selecting a security policy from theplurality of security policies based on the list of protectionmechanisms and the attack signature; establishing a secure communicationsession between the external terminal and an internal network componentaccording to the selected security policy; and communicating, over thecommunication network during the secure communication session, a datamessage according to the selected security policy, the data messagebeing associated with a mobile financial transaction.
 14. Thenon-transitory computer readable medium of claim 13, wherein thesequences of instructions further include instructions, which, whenexecuted by the computer system, cause the computer system to perform:computing a value associated with the data message based on at least oneof a value of the financial transaction and a predetermined valuationformula; computing a probability that security of the data message willbe compromised based on the list of protection mechanisms and the attacksignature; computing a total risk level as a product of (1) the valueassociated with the data message and (2) the probability that securityof the data message will be compromised; and selecting the policy fromthe plurality of security policies that results in a risk level within apredetermined risk threshold.
 15. The non-transitory computer readablemedium of claim 13, wherein the security policy includes at least one of(1) an encryption algorithm for encrypting data messages, (2) acommunication channel for communicating data messages, and (3) acommunication protocol for communicating data messages.
 16. Thenon-transitory computer readable medium of claim 13, wherein thesequences of instructions further include instructions, which, whenexecuted by the computer system, cause the computer system to perform:constructing a policy message including at least one of a protectionmechanism, a communication channel, and a communication protocol to beused for the communication session; and transmitting the policy messageto the external terminal over the communication network.
 17. Thenon-transitory computer readable medium of claim 13, wherein thesequences of instructions further include instructions, which, whenexecuted by the computer system, cause the computer system to perform:determining a protection mechanism for the policy message based on thelist of protection mechanisms and the attack signature; determining acommunication channel for the policy message based on the list ofprotection mechanisms and the attack signature; determining acommunication protocol for the policy message based on the list ofprotection mechanisms and the attack signature; and transmitting, overthe communication network, the protection mechanism, the communicationchannel, and the communication protocol for the policy message.
 18. Thenon-transitory computer readable medium of claim 13, wherein securitypolicy includes at least one of: channel encryption, payload encryption,encryption key rotation, encryption key generation using a biometricidentifier, encryption key generation based on a pseudorandom number,communication channel split information, and data message reassemblyinformation.